I might as well include in this thread another option I have. I currently have an outstanding 401k loan at 4.5% interest. I don't have the option to pay ahead on it, or I would have, but the balance is roughly $5000. It's definitely the lowest interest rate debt I have, and paying it off would both get the money into my 401k and compounding, and free up some money each month. However, if I want to pay it off in the first few months of 2004, it would preclude me from putting much or any into my Roth for this year. Which would be the better choice?

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